The Credit Specialist (German-speaking) role is designed to ensure seamless and effective underwriting of German consumer loan applications and timely handling of debtors. The main purpose of the role is to:
Aumente sus posibilidades de llegar a la fase de entrevista leyendo la descripción completa del puesto y enviando su solicitud sin demora.
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- Conduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process.
- Provide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends.
- Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.
Key responsibilities
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- Perform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data.
- Provide feedback to improve and refine credit policy and underwriting guidelines.
- Support daily debtor management activities, including contacting overdue customers by phone and other channels.
- Monitor repayment behavior and elevate problematic cases when needed.
- Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
- Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance.
Qualification & Experience
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- Background in financial services, banking, or credit risk management.
- Fluent German language skills (mandatory) – both written and spoken (C1‑B2 level). Strong command of English for internal communication. xhfqzwm
- Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
- University degree in finance, economics, business administration, or equivalent (preferred but not mandatory)